RHB - IDSB AG

== Product Features ==
* Location:Whole Malaysia
* Interest Rate Scheme (AG)
** 4.50%
* Payout: 98% (approximately)
* Tenure:Min 2 - 10 years 
* Finance:Min RM2,000 to RM200,000 
* Salary:RM2000.00 and above
* Age:18 - 57 years
* Work:1 year & above
* Tat:2 weeks
* CTOS: Must be cleared / or can do overlapping.
* CCRIS: Arrears must not be more than 2 months, if 3 months and above please provide settlement statement for bank to settle.
* DSR @ COMMITMENT :gaji + elaun + lain lain income jumlah bawal 3k x60%,jika jumlah lebih 3K x90%
** salary RM2,000-RM2,999 akan dikira 60%
** salary RM3,000 and above akan dikira 90%
* For more details, pls click below:
**Criteria : [[Media:RHB-IDSB.pdf]]
** New Criteria : [[Media:newRHB-IDSB.pdf]]

== Special Remarks ==
* 10-6-2015 -new target market for IDSB:
*Download Listing: [[Media:RHB-IDSB-TM.pdf]]
#UNIVERSITI MALAYA (UM)
#UNIVERSITI PENDIDIKAN SULTAN IDRIS (UPSI)
#UNIVERSITI SAINS ISLAM MALAYSIA (USIM)
#MAJLIS AMANAH RAKYAT (MARA

== Payslip expiry date ==
Payslip will expire every 5th. Example:

* February payslip will expire on the 5th April.
* March payslip will expire on the 5th May

== Application Forms Download ==
* print 1 set
**[[Media:New-Checklist-IDSB-Forms.pdf]] 
**[[Media:Borang-Permohonan-IDSB-NEW.pdf]] 
**[[Media:Borang-Lembaran-Pendedahan-Produk.pdf]]
**[[Media:Dokumen-Pengesahan-Pelanggan.pdf]]
**[[Media:Borang-Terma-Syarat.pdf]]
**[[Media:Surat-Akuan-Kebenaran-Potongan-Gaji.pdf]]
**[[Media:Borang-Persetujuan-Kebenaran.pdf]]

- '''CHOOSE EITHER BM / ENG VERSION'''

* additional new form -Credit Rating Agencies (CRA) -Print 1 copy
[[Media:ApplicationIDSB-Forms-Credit-Rating.pdf]]

== Calculation Sheet & Repayment Table ==
[[Media:RHBIDSB-CEF-new3.xls]]

[[Media:RHBIDSB-Repayment-Table-New2.pdf]]

[[Media:RHBIDSB-Takaful-Calculator-New.xls]]

== Rejection Code In Rhb System ==
[[Media:Reject-Code.xls]]